Privacy Policy
OUR COMMITMENT: At
Henderson Matusch (HM) we recognise
that your Privacy is important.
We are bound by, and committed
to supporting, the National Privacy
Principles (NPP) set out in the
Privacy Amendment (Private Sector)
Act 2001. The information set out
below is largely a summary of our
obligations under the NPP.
COLLECTION: Our main purposes
for collecting personal information
are to facilitate financial planning,
financial products or services, insurance
policies or related services, and
to update our records. At or before
the time we collect personal information
from you we will take reasonable
steps to inform you why we are collecting
that personal information,
who else we might disclose that personal
information to and what may
happen if you do not provide personal
information to us.
USE AND DISCLOSURE: We are
subject to certain legislative and regulatory
requirements that necessitate
us obtaining and holding detailed
information that personally identifies
you and/or contains information
or an opinion about you. In addition,
our ability to provide you with a comprehensive
financial planning and
advisory service is dependent on us
obtaining certain personal information
about you, including: employment
details and employment history,
details of your financial needs and
objectives, details of your investment
preferences and aversion or tolerance
to risk, details of your current
financial circumstances, including
your assets and liabilities (both actual
and potential), income, expenditure
etc, information about your family
structure, commitments and social
security eligibility, any other relevant
information including medical history
and/or reports required for the
purposes of risk insurance.
We may use the personal information
collected from you for the
purpose of providing you with direct
marketing material such as articles
that may be of interest to you. You
may, by contacting us by any of the
methods detailed in this policy statement,
request not to receive such
information and we will give effect to
that request. Please allow two weeks
for your request to be actioned.
DATA QUALITY: Pursuant to
the Corporations Act, and Rules of
Professional Conduct of the Financial
Planning Association of Australia, we are required to collect sufficient
information to ensure appropriate
advice can be given in respect of recommendations
made to our clients.
If you elect not to provide us with
the personal information you may be
exposed to higher risks in respect of
the recommendations made to you
and this may affect the adequacy or
appropriateness of the advice given
to you.
DATA SECURITY: We take reasonable
steps to protect the information
we retain from misuse, loss and from
unauthorised access, modification or
disclosure. We will not retain any of
your information for any longer than
it is required by us, except to satisfy
legal requirements. We will destroy
or de-identify your personal information
when it is no longer required.
OPENNESS: We may use and disclose
personal information for the
purposes for which it was provided
or secondary purposes in circumstances
where you would reasonably
expect such use or disclosure. We
may disclose personal information to
third parties or external contractors
carrying out functions and duties for
and on behalf of us. It is a condition
of our agreement with each of our
external contractors that they adhere
to this Privacy Policy.
The information we collect from
you may also be disclosed to third
parties if the disclosure is required
by or permitted by law, or pursuant
to the Rules of Professional Conduct
of the Financial Planning Association
of Australia.
In the event that we propose to
sell our business we may disclose
your personal information to potential
purchasers for the purpose of
them conducting due diligence investigations.
Any such disclosure will be
made in confidence and it will be a
condition of that disclosure that no
personal information will be used or
disclosed by them. In the event that
a sale of our business is effected, we
may transfer your personal information
to the purchaser of the business.
As a client you will be advised of any
such transfer.
ACCESS AND CORRECTION: You may access the personal information
we retain and request corrections.
This right of access is subject
to some exceptions allowed by law.
We will not provide you access to
personal information which would
reveal any confidential formulae or
the detail of any inhouse evaluative
decision making process, but may
instead provide you with the result of
the formulae or process, or an explanation
of that result.
We reserve the right to charge a
fee for searching for and providing
access to your personal information.
In the event we refuse access to your
personal information, we will provide
you with an explanation for that
refusal.
We will endeavour to ensure that
at all times the personal information
about you that we hold is up to date
and accurate. The accuracy of the
personal information is dependent
to a large degree on the information
you provide and you should advise
us if there are any errors in your personal
information.
You are entitled to obtain access
to the information which we hold
about you by telephoning the Privacy
Manager on 07 3229 3688, or by
writing to: The Privacy Manager,
Henderson Matusch , GPO Box 314,
Brisbane QLD 4001.
IDENTIFIERS: In some circumstances
we are required to collect
government identifiers, for example,
your Tax File Number. We will not
use or disclose this information other
than when required to do so by law or
when consented to by you.
ANONYMITY: You may deal with
us anonymously where it is lawful,
practicable and reasonable to do so.
SENSITIVE INFORMATION: Without your consent, for example
where information is provided by
you for insurance and/or risk purposes,
we will not collect sensitive
information about you. Exceptions to
this include where the information is
required by law, or for the establishment,
exercise or defence of a legal
claim.
PRIVACY COMPLAINTS If you
wish to complain about any breach or
potential breach of this Privacy Policy
or the National Privacy Principles,
you should contact us by any of
the methods contained in this policy
statement and request that your complaint
be directed to the Complaints
Manager. Your complaint will be considered
within seven (7) days and
responded to accordingly. It is our
intention to use our best endeavours
to resolve any complaint to your satisfaction,
however, if you are unhappy
with our response, you are entitled
to contact the Office of the Privacy
Commissioner who may investigate
your complaint further.